topic Re: Pruning in Credit Cards

Pruning

Anonymous — Mon, 10 Mar 2008 16:22:18 GMT

I did some pruning today-

Closed Junny Plat-

Then called Junny Seamiles and they added that CL and the closed Emigrant to my Seamiles-

Now a 10K CL on 1 card w/ Juniper. Still a lowsy APR-

Re: Pruning

Anonymous — Mon, 10 Mar 2008 16:24:37 GMT

Nice job. More than one Junny card is overkill, IMO.

Re: Pruning

Anonymous — Mon, 10 Mar 2008 16:25:46 GMT

What is the "lousy APR" on the card?

Re: Pruning

Anonymous — Mon, 10 Mar 2008 16:26:37 GMT

Yep-

I guess they have forgotten about Sept 07 already.

cheddar wrote:

Nice job. More than one Junny card is overkill, IMO.

Re: Pruning

Anonymous — Mon, 10 Mar 2008 16:28:39 GMT

19.99

I PIF but I would die if I carried a balance-

I need to ask for a reduction-

The APR on the Plat was 8.99 -

psychic wrote:

What is the "lousy APR" on the card?

Re: Pruning

Anonymous — Mon, 10 Mar 2008 16:30:07 GMT

You're right. That is quite a lousy APR.

Re: Pruning

Anonymous — Mon, 10 Mar 2008 16:35:55 GMT

Puts me BACK down to 8 CC 1 store and 1 Charge card.

Re: Pruning

Anonymous — Mon, 10 Mar 2008 16:36:52 GMT

How often do Junny give limit increases...is this by GLI or do they pull a soft or hard?

Re: Pruning

Anonymous — Mon, 10 Mar 2008 16:44:27 GMT

Can you have more than one? I have a Juny American Airlines card and applied for an Apple Card and was denied, called for recon and the CSR said I could PIF my Juny AA card and switch to the Apple card...agree about the rate...just stinks.

Re: Pruning

Anonymous — Mon, 10 Mar 2008 16:54:33 GMT

I called to get a CLI and my accounts were opened in Sept-

They Soft TU every month- this was combine-

betamunupe wrote:

How often do Junny give limit increases...is this by GLI or do they pull a soft or hard?

Re: Pruning

Anonymous — Mon, 10 Mar 2008 16:58:00 GMT

Yes and no-

There is no hard/fast rule with Junny about multiple cards-

I got the Play pre-approval in the mail - apped for Seamiles and Emigrant the same night-

They closed Emigrant - (marked in their system and on CR as "Closed by Customer"

HinH wrote:
Can you have more than one? I have a Juny American Airlines card and applied for an Apple Card and was denied, called for recon and the CSR said I could PIF my Juny AA card and switch to the Apple card...agree about the rate...just stinks.

Re: Pruning

Anonymous — Mon, 10 Mar 2008 17:01:25 GMT

Tim that's my name too...man that Transunion free credit report is sooooo inaccurate...its says I have a 380...and i am on the **bleep** of 700....so I can't get a increase with the soft TR.....is it possible that I can ask them to repull my credit to get an increase?

Re: Pruning

Anonymous — Mon, 10 Mar 2008 17:02:10 GMT

@Anonymous wrote:

19.99

I PIF but I would die if I carried a balance-

I need to ask for a reduction-

The APR on the Plat was 8.99 -

@Anonymous wrote:

What is the "lousy APR" on the card?

you closed the card with the 8.99 apr but kept open the one with 19.99 apr?

why did you do that?

Re: Pruning

Anonymous — Mon, 10 Mar 2008 17:05:31 GMT

so n i p is a curse word? WTH???

Re: Pruning

Anonymous — Mon, 10 Mar 2008 17:07:33 GMT

They would not let me combine to the 8.99-

I don't pay any interest so the APR is moot.

I have other cards with low APR's if I ever wanted to want to carry a balance-

This card is for UTL- and has no AF.

@Anonymous wrote:

@Anonymous wrote:

19.99

I PIF but I would die if I carried a balance-

I need to ask for a reduction-

The APR on the Plat was 8.99 -

@Anonymous wrote:

What is the "lousy APR" on the card?

you closed the card with the 8.99 apr but kept open the one with 19.99 apr?

why did you do that?

Re: Pruning

Anonymous — Mon, 10 Mar 2008 17:09:47 GMT

i see. i guess that makes sense.

Re: Pruning

Anonymous — Mon, 10 Mar 2008 17:15:14 GMT

kind of new still what is FAKO's?

Re: Pruning

Anonymous — Mon, 10 Mar 2008 17:18:38 GMT

Read the Credit 101 Thread - see RTC101T in my siggy-

betamunupe wrote:

kind of new still what is FAKO's?

Re: Pruning

Anonymous — Mon, 10 Mar 2008 21:28:50 GMT

They updated my account online- they reduced my APR to 15.99

still not great- 2 old accounts marked closed.

Re: Pruning

Anonymous — Mon, 10 Mar 2008 21:31:48 GMT

Congrats on closing the Juny Timothy! They are on my list to cull too.